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86proof asks,

Obviously, I got so excited at the subject matter as I am presently making this decision myself that I hit the "post new" instead of "reply" icon. This refers to the post on 72t distributions for taking an early distribution prior to 59 1/2. The formula was: (1-(1/(1+r)*L/r where r= the assumed rate of interest and L= your life expectancy.
Sorry for the foul-up!

There have been numerous IRS private letter rulings allowing the use of 80% to 120% of the long-term applicable Federal rate published by the IRS. For July 2000, that rate is 6.40%.

That means you can go as low as, 6.40 x 0.80 = 5.12%

or as high as 6.40 x 1.20 = 7.68%

If you decide you need to use a number outside of this range, you should get your own IRS private letter ruling to make sure you don't run afowl of the IRS.

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